Florham Park, NJ
Florham Park wildfire risk explained
Out of every US place USFS scores, Florham Park lands at the 26th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 3,899 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Florham Park's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Where Florham Park's buildings actually sit
3,899 buildings are counted in Florham Park, and 63.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 15.7% rated Minimal.
How Florham Park compares
Florham Park scores 26th nationally and 18th within New Jersey — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Florham Park ranks 23,263 for wildfire risk (1 is highest) and 4,341 by building count (1 is largest). Within New Jersey alone, it ranks 572 of 700 places by risk. See the full county-by-county picture for New Jersey on its state page.
Florham Park and the insurance market
Florham Park's moderate wildfire rating (26th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Florham Park (63.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Florham Park's 23,263-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Florham Park, see the exposure-zones guide.